poverty implications on natural disasters occurrence in nigeria

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The International Journal Of Engineering And Science (IJES) || Volume || 3 || Issue || 10 || Pages || 08-14 || 2014 || ISSN (e): 2319 1813 ISSN (p): 2319 1805 www.theijes.com The IJES Page 8 Poverty Implications on Natural Disasters Occurrence in Nigeria 1, Sanmi Adeoti (Mnitp, Rtp), 2, Akintunde T. B (Mintp, Rtp) 1,2, Department of Urban and Regional Planning, The Federal Polytechnic, Ado Ekiti ,Nigeria -----------------------------------------------------ABSTRACT----------------------------------------------------- Poverty in all ramifications is more than lack of income and decent standard of living as it equally borders on other aspect of deprivations, particularly in the area of lack of access to essential services that promote healthy environment. This actually contributes more to man assault on physical environment which has strong relationship with natural disaster. Available data revealed that the world has witnessed an increase in the frequency and severity of natural disasters in the last two decades particularly in developing countries. This has manifested by way of destroying crops and livestock, reducing incomes and consumption, and forcing households to liquidate assets. Against this background, this paper aims to answer if natural disasters occurring across the country over the years for which there are records actually affected poverty. The result of findings revealed that natural disasters reduce human development and increase poverty in term of human and materials loss. A proactive natural disaster preventive management measures are finally recommended as lasting solution to the occurrence of disasters in Nigeria to ameliorate poverty. KEY WORDS : Deprivation, Development, Disaster, Environment and Poverty. --------------------------------------------------------------------------------------------------------------------------------------- Date of Submission: 10 August 2014 Date of Publication: 10 October 2014 --------------------------------------------------------------------------------------------------------------------------------------- I. INTRODUCTION Poverty is a plague, afflicting people all over the world in many aspects of human conditions both physically, morally and psychologically. Poverty is equally defined as increased vulnerability to environmental degradation or loss of access to natural resources, employment, property and essential services [1]. This assertion creates a link between natural disasters and poverty at the same time suggests that natural disasters are forces that can aggravate poverty.Amongst the natural disasters that ravage the nations of the world are severe droughts, fire outbreaks, devastated floods, earthquake, windstorm and hurricane. Most of these environmental disasters take place in developing countries of Asia, Latin American and Africa where there is inadequate risk management mechanism. The situation makes these poor countries to experience heavy casualties with disproportionate numbers of deaths, displacements and damage to infrastructure [2]. The adverse impacts also ranged from human casualties, epidemics, disabilities, dislocations and direct damages on critical infrastructure and physical capital to potential losses in income, drops in consumption and reductions in human capital [3]. The vulnerability and fatality of natural disasters depend on the location of the occurrence, the type of structure affected and the level of response to disaster management. The vulnerability of those living in risk prone areas as pointed out in “[4]” is perhaps the single most important cause of disaster casualties and damage. The fact that the poor live in areas that are at high risk to natural disaster, they also live in poorly built shelters that are easily damaged in the event of a disaster and live with few or no early warning programmes contribute to the severity of disaster casualties and damages. There is no doubt that the complex nature of environmental problems in Nigeria which include oil spillage at coastal area of the south; the deforestation and desertification from the north and the various forms of pollution in the country have led to natural disasters such as flooding, droughts, famine, fire outbreaks and wind storms being experienced in the country. The situation does not only make the paper to determine the level of various forms of disasters in the country but equally to know how they are correlated. II. REVIEW OF LITERATURE Poverty is a cankerworm and economic scourge that has its tentacles all over the world and which the manifestation of the evils threaten man`s dignity and life in various dimensions and forms. For instance, in 2007 less than 30 percent of the world‟s extreme poor lived in Low Income Countries and more than 70 percent of the world‟s income poor lived in Medium Income Countries [5]. The data as in “[6]” equally shows that about 20 percent of the world population approximately 1.2 b1llion people live on less than $1 a day while almost half of the world population 2.8 billion people lives on less than $2 per day.

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Page 1: Poverty Implications on Natural Disasters Occurrence in Nigeria

The International Journal Of Engineering And Science (IJES)

|| Volume || 3 || Issue || 10 || Pages || 08-14 || 2014 ||

ISSN (e): 2319 – 1813 ISSN (p): 2319 – 1805

www.theijes.com The IJES Page 8

Poverty Implications on Natural Disasters Occurrence in Nigeria

1,Sanmi Adeoti (Mnitp, Rtp),

2,Akintunde T. B (Mintp, Rtp)

1,2,Department of Urban and Regional Planning, The Federal Polytechnic, Ado Ekiti ,Nigeria

-----------------------------------------------------ABSTRACT----------------------------------------------------- Poverty in all ramifications is more than lack of income and decent standard of living as it equally borders on

other aspect of deprivations, particularly in the area of lack of access to essential services that promote healthy

environment. This actually contributes more to man assault on physical environment which has strong

relationship with natural disaster. Available data revealed that the world has witnessed an increase in the

frequency and severity of natural disasters in the last two decades particularly in developing countries. This has

manifested by way of destroying crops and livestock, reducing incomes and consumption, and forcing

households to liquidate assets. Against this background, this paper aims to answer if natural disasters occurring

across the country over the years for which there are records actually affected poverty. The result of findings

revealed that natural disasters reduce human development and increase poverty in term of human and materials

loss. A proactive natural disaster preventive management measures are finally recommended as lasting solution

to the occurrence of disasters in Nigeria to ameliorate poverty.

KEY WORDS : Deprivation, Development, Disaster, Environment and Poverty.

-------------------------------------------------------------------------------------------------- -------------------------------------

Date of Submission: 10 August 2014 Date of Publication: 10 October 2014

----------------------------------------------------------------------------------------- ----------------------------------------------

I. INTRODUCTION Poverty is a plague, afflicting people all over the world in many aspects of human conditions both

physically, morally and psychologically. Poverty is equally defined as increased vulnerability to environmental

degradation or loss of access to natural resources, employment, property and essential services [1]. This

assertion creates a link between natural disasters and poverty at the same time suggests that natural disasters are

forces that can aggravate poverty.Amongst the natural disasters that ravage the nations of the world are severe

droughts, fire outbreaks, devastated floods, earthquake, windstorm and hurricane. Most of these environmental

disasters take place in developing countries of Asia, Latin American and Africa where there is inadequate risk

management mechanism. The situation makes these poor countries to experience heavy casualties with

disproportionate numbers of deaths, displacements and damage to infrastructure [2]. The adverse impacts also

ranged from human casualties, epidemics, disabilities, dislocations and direct damages on critical infrastructure

and physical capital to potential losses in income, drops in consumption and reductions in human capital [3].

The vulnerability and fatality of natural disasters depend on the location of the occurrence, the type of

structure affected and the level of response to disaster management. The vulnerability of those living in risk

prone areas as pointed out in “[4]” is perhaps the single most important cause of disaster casualties and damage.

The fact that the poor live in areas that are at high risk to natural disaster, they also live in poorly built shelters

that are easily damaged in the event of a disaster and live with few or no early warning programmes contribute

to the severity of disaster casualties and damages. There is no doubt that the complex nature of environmental

problems in Nigeria which include oil spillage at coastal area of the south; the deforestation and desertification

from the north and the various forms of pollution in the country have led to natural disasters such as flooding,

droughts, famine, fire outbreaks and wind storms being experienced in the country. The situation does not only

make the paper to determine the level of various forms of disasters in the country but equally to know how they

are correlated.

II. REVIEW OF LITERATURE Poverty is a cankerworm and economic scourge that has its tentacles all over the world and which the

manifestation of the evils threaten man`s dignity and life in various dimensions and forms. For instance, in 2007

less than 30 percent of the world‟s extreme poor lived in Low Income Countries and more than 70 percent of the

world‟s income poor lived in Medium Income Countries [5]. The data as in “[6]” equally shows that about 20

percent of the world population approximately 1.2 b1llion people live on less than $1 a day while almost half of

the world population 2.8 billion people lives on less than $2 per day.

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The geographical distribution of National Poverty Line shows that South Asia is the region with the

highest proportion of world poverty (30.4%), followed by Sub-Saharan Africa (23.8%) and East Asia and

Pacific (17.2%) [7]. There is no doubt that this level of poverty has put the world under serious threat of the

environmental problems, making the world to be getting close to extinction through natural disasters which

appeared to be on a steady rise with signs too apparent to be ignored and calling for immediate actions [8], [9].

For instance, as pointed out in “[10]”, between 1994 and 2003 the world witnessed a total of 3,561 major

disasters, ranging from ecological and industrial cataclysms to health epidemics. In fact, the regional breakdown

of this figure suggests that Asia recorded the highest incidence of 1,309 events (36.75%), followed by Africa

with 814 (22.9%) while America had 637 (17.9%) events of natural disasters. Likewise, disasters affected 4.4

billion persons, killed 1.3 million people and resulted in economic losses valued at over 2 trillion dollar of

which there were 3455 flood cases, 2689 storms, 470 droughts and 395 extreme temperature cases occurred

between 1994 and 2011[11]. Available data revealed that 106 million people were affected by disasters in 2012,

a significant drop from 209 million that were affected in 2011. At the same time, the largest number of people

were affected by floods (62.3 million), followed by drought (24.9 million) and storms (16.4 million). [12]

A disproportionate share of the deaths caused by environmental shocks such as earthquakes, floods,

cyclones, hurricanes, and extreme temperature events are borne by people in developing countries. Reports

indicated that, 65 percent of world deaths from natural disasters between 1985 and 1999 took place in nations

whose incomes were below $760 per-capita; while more than 90 percent of all deaths caused by natural disasters

were from droughts, floods and windstorms [13]. In 1999 the US reported two to three times as many disasters

than Bangladesh; yet in Bangladesh disasters caused 34 times more deaths [14]. It was noted that the most

prolonged and widespread droughts occurred in1973 and killed 100,000 people in the Sahel, while in 1998

many parts of East Africa experienced increase in rainfall (up to ten times the usual percentage of rainfall)

leading to disastrous flooding which affected over 10000 people in Uganda alone.[15] At the same time, in

2010, floods in Pakistan affected 20 million people [16]. The economic cost associated with natural disasters has

increased 14-fold since the 50s. During the last decade, disasters caused damage of an estimated US$67 billion

per year on average, with a maximum of US$230 billion and a minimum of US$28 billion. He further explained

that in comparison, the record of year 2011 saw massive disaster losses of over $360 billion, especially in

developed countries; however, losses in 2012 were about $160 billion, a staggering amount which is almost

equivalent to the GPD of Zealand and the seventh highest annl total of direct losses since 1980[16]

III. STUDY AREA AND METHODS The study covers the six geo political zones with population of 140 million within which the 36 States

and the 774 Local Government Councils of the country are distributed, see fig 1. It has a land extent of about

923,769 km2 between latitude 4

o N to 14

o N; and longitude 3

o E to 15

oE with north-south length of about 1,450-

km and a west east breadth of about 800 km.

Figure1. The 36 States of Nigeria Source: Ekiti State Library

It is a country with diverse biophysical characteristics. Hence, Nigeria's climate is characterized by

strong latitudinal zones which become progressively drier as one moves northwards from the coast. The annual

rainfall total decreases from over 3,800 mm at Forcados on the coast to under 650 mm at Maiduguri in the

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extreme north-east of the country. The length of the rainy season also shows decrease from nearly 12 months in

the south to less than 5 months in the north. Nigeria has a climate, which is characterized, by relatively high

temperatures throughout the year. The average annual maximum varies from 35 o

C in the north to 31 o C in the

south, the average annual minimum from 23 o C in the south to 18

o C in the north.The major hazards being

experienced in Nigeria includes land degradation, flooding, erosion, deforestation, desertification and climatic

drought. In most cases, it has been due to natural and artificial factors that claimed many lives in Nigeria and

rendered many homeless. In general, Nigeria has a relatively weak economy with an under protected and

expansive environment. The contribution of these characteristics make Nigeria‟s environment especially

vulnerable.The study by design adopts explorative survey of which compilation of data for the paper was

through secondary source. The data collected which actually take sample from the six geo-political zones of the

country focus on the level of poverty, the extent of flooding and severity of drought and famine as well as

windstorm across the selected areas. The compiled data were subjected to both simple descriptive and inferential

analysis. The descriptive analysis is by percentage presented in table formats while the inferential analysis is by

simple ranking method.

IV. RESULTS OF FINDINGS For proper understanding and clarity of purpose, the result of findings are divided into three sections,

namely Profile of poverty and natural disaster in Nigeria; Regional dimension of poverty and natural disaster in

Nigeria and the correlation analysis of poverty and natural disaster.

4.1 Profile of Poverty and Natural Disaster Available records from the Bureau of Statistics of Nigeria for thirty

years clearly showed that; in 1980, 18.4 million people representing 27 percent were living below poverty line.

The figure rose to 67 million which was 66 percent in 1996 and jumped to 126 million of 81 percent in 2001

before decreasing to 112.5 million at 69 percent in 2011. See the fig 2 below.

Figure2. Profile of poverty in Nigeria in percentage (1980-2011)

Source: Authors compilation(2014) from Federal Bureau of Statistics

Within the same period, affected people by flood were 3,064,265 while the number of people affected by

drought was 3,000,000. However, there was no record of death casualty for drought while death recorded for

flooding was not less than 3800 people. The cost implication stands at 1.2 trillion Naira for flood and 71millions

Naira-for drought. 4.2 Regional Dimension of Poverty and Natural Disaster The poverty index across the six

geopolitical zones of Nigeria in 1996 revealed that North West had the highest index of 81 percent. This is

followed by North East with 71.5, North Central 70.6, South West 67, South East 61 and South- South 60

percent respectively. However, in 2012 the north still maintained the lead in the average poverty rate of states in

the country with North -West geopolitical zone clinching the top spot at 71.4 per cent, followed by North-East

69.1 per cent and North Central, 60.7 per cent. The record showed that poverty was least prevalent in the South-

West, with an average of 49.8 per cent, followed by South-South, 55.5 per cent and South-East, 59.5 per cent.

See the fig 3 below.

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.

Figure 3 Poverty index across the six geo-political zones in Nigeria (1996 &2012)

Source: Authors compilation (2014) from Federal Bureau of Statistics

It is interesting to know that Flood is the major natural and devastated disaster in Nigeria. The table

below indicates the four remarkable years of floods in all the geo political zones of the country in 21st century.

From the table, the flood in the 2012 affected over 3 million people with death toll of 306 where North-central

region alone recorded the highest figure of 143 deaths. It is also noted that the South West led the death toll

with 120 in year 2011. However, despite the fact that 2001 floods took the second position in term of people

affected in the country, it recorded the least death toll of 103.

Table 1: Years of Major flooding across the six geo-political zones in Nigeria(2001 -2012)

Flood data

Regions

2001 2010 2011 2012

Death

toll

People

affected

Death

toll

People

affected

Death

toll

People

affected

Death

toll

People

affected

South- West 6 202000 3 105000 120 350000 3 50000

South-South 16 1341000 8 500000 12 850000 25 2120100

South- East 3 10500 - - 5 60000 25 250000

North-West 35 500000 50 140000 3 20000 50 120000

North-Central 21 220000 45 550000 11 100000 143 907000

North-East 24 610000 15 50000 16 70000 60 105000

Total 103 2883000 121 1345000 167 1450000 306 3547100

Remarks

Source: Authors compilation (2014) from NEMA and SEMA records

Storms, particularly wind and rain storms formed another devastated natural disaster in Nigeria. The

spatial variation in the cost of rain and windstorm damages across the six geo political regions of the country are

presented by the pie chart shown below. Majority of the damages occurred in the southern Nigeria where the

South-West has the lead with 1.2 trillion Naira worth of properties damaged. Closely followed by this, is the

South-South with 1.1trillion Naira and South-East with 950 million Naira worth of properties damaged.

However, for the northern regions, the North-Central has the highest record with properties damaged worth of

750 million Naira, followed by the North –West with damaged properties valued at 600 million Naira while the

North-East region has damaged properties worth of 550 million Naira.

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Figure 4 Cost of wind and rainstorms damage in the regions

Source: Authors compilation (2014) from NEMA and SEMA records

4.3 Correlation Analysis of Poverty and Natural Disaster From the simple ranking correlation, the coefficient of

correlation between poverty index of 2012 across the six geo-political zones of the country and the people

displaced by flood in that particular year, clearly showed a negative coefficient of r = 0.03.This revealed that

disaster occurrence, particularly flooding has a strong significant impact on poverty.

V. DISCUSSION OF FINDINGS 5.1 The Major Disasters Generally there are three major categories of flooding in Nigeria, namely coastal, river

and urban flooding. The fact that the majority of the people in the South-South region particularly in Rivers,

Delta and Bayelsa States are living in the coastal flood plain, actually made most of the people to be affected by

floods. In fact, because of its disposition as flat, low-lying swampy area of alluvial deposition across which the

tributaries of the Niger meander, the Niger Delta is by far the largest single area subjected to annual flooding in

Nigeria. The flooding being experienced in the northern regions is mainly due to river and flash flooding. For

instance, the flooding in the North Central region is around the flood plain of river Niger and Benue. .At the

same time the flood plain of river Taraba and river Benue together with the low lying area around Lake Chard

contribute to flooding in the North East region while the influence of river Sokoto, Kaduna and Haldejia

constitute flooding of the North West. Likewise, urban flooding remains the major flooding in South West

region.

Wind and rain storms are products of wind speed and rainfall. As a matter of fact, the wind storm in the

northern regions is as a result of sparse Sudan and Sahel savannah vegetation with little frictional force on the

wind which eventually resulted in the high wind velocity experienced in the northern Nigeria. However, the

high rainfall and relative humidity in southern Nigeria made the atmosphere to be damp and the associated

heavy air slowed down the wind velocity.The fact that Large areas of Northern Nigeria fall within the Sahel and

Sudan ecological zones, between latitude 9-14oN where there is protracted absence, deficient or poor

distribution of precipitation or insufficient rainfall to meet the socio-economic demands of the region in terms of

water supply for domestic and industrial uses, agriculture and ecosystem, actually made the three northern

regions to be prone to recurrent droughts in one form or the other. At the same time, it is imperative to know

that drought operates over an extended period – a season, a year, or several years – of deficient rainfall relative

to the long constant reoccurrence decimal of the beginning and end of season.5.2 The Responsible Factors

Basically, there are two factors responsible for natural disasters, namely: human activities and natural process.

Although there are some occasions when one factor has contributory effect on the other, yet the nature of

disaster always dictates the factors involved.

For instance, majority of flooding being experienced in Nigeria is due to human factors, particularly in

urban setting. The factors include bad planning and development of townscape in term of sitting and

development of building structure along the river course; using of sub standard materials for various

development, absent of green areas or open space in our cities and lack of proper drainage and channelization.

The natural factor which is more rampant in rural environment is attributed to excessively prolonged rainfall

which is equally a function of climate change. However, excessive felling of trees by the rural dwellers expose

buildings to destructive windstorms; such as typhoon, tornados and hurricane.As for the drought, the underlying

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causes of most droughts can be related to changing weather patterns, manifested through the excessive build up

of heat on the earth‟s surface, which result in a reduction of rainfall, and reduced cloud.

Human activities such as deforestation, bush burning, overgrazing and poor cropping methods, which

reduce water retention of the soil, and improper soil, equally contribute to drought in Nigeria. Likewise, it is

important to note that the causes of the damage experienced by wind and rain storms across the country are

attributed to four basic factors. These include the population and housing density, the building design, position

of the inter-tropical convergence zone and urban forestry. The impact was severest in Lagos State, which had

the highest housing and population density among the states studied. There is also one strong latent factor which

actually influenced other factors and this very factor is poverty..This is because only those who are financially

poor built with poor building material while lack of proper education on land use matters, make many to mis-

used land by carrying out haphazard development and other activities that can aggravate degradation of land.

The poor in the rural and urban settlement as in “[17]” are compelled to exploit environmental resources for

survival; therefore, making the degradation of the environment not only the uncontrolled urbanization that

swallow open space, agricultural land, interrupt natural drainage in pursuit of new urban land but also of the

breakdown in the ability of local population and their government to manage arable and urban land effectively.

5.3 The major impact Nigerians suffer significantly from various types of disasters, amongst the three natural

disasters under consideration, floods is the most deadly and destructive disaster of immediate action. For

instance, in Nigeria, floods claimed an average of 120 lives and displaced not less than 2 million people

annually with properties worth several million of Naira destroyed every year. The most devastating floods in the

last 40 years hit the country between July and October 2012, causing the world‟s second largest disaster induced

displacement event of the year when over 3 million people were displaced and properties worth billon of Naira

were destroyed. See plate 1 below

Plate 1 Some displaced people in Balyesa State

Source: Social Briefing www.saction.org (2012)

Likewise, the wind and rain storm have very short time duration of disastrous effect to economic and social

infrastructure such as building, water supply, electricity and roads network with little or no dead casualty. The

total cost of damage to properties (buildings, vehicles and social infrastructures) was valued at eighty five

billion and three million Naira (N 85.03b) ($720.6 million) within the 16 years [18]. That amounted to an

average of N 5.31 billon ($45 million) per year. However, unlike the previous disasters, drought operates over a

long period of time. This extended period could be a season, a year, or several years – of deficient rainfall

relative to the long term average rainfall for a region. The impacts of drought are mass starvation, famine and

cessation of economic activity especially in areas where agriculture is the main stay of the economy. Drought is

the major cause of forced human migration and environmental refugees, deadly conflicts over the use of

dwindling natural resources, food insecurity and starvation, destruction of critical habitats and loss of biological

[19]. Since it has been ascertained from the correlation analysis derived from the findings, it could be deduced

that, all the impact of disasters contributes to poverty level in one form or another.

VI. DISASTER MANAGEMENT MEASURES In order to reduce or avoid losses from hazard, ensure prompt assistance to victims and achieve rapid

and effective recovery, the paper therefore recommends a disaster management measures that will not only

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prevent and mitigate but also prepare and response to disaster. The strategic action which usually presented as

requirements before, during and after a disaster occurrence always put into consideration, the human element.

The first thing to prevent disaster is to reduce poverty through various poverty alleviation programmes such

as financial empowerment and provision of housing and necessary infrastructure.

For flooding and rainstorm prevention, the requirements demand for the use of strong structural materials,

provision of adequate open green space.

the prevention of drought called for the use of drought tolerant and early maturing crop varieties by farmers

In term of preparedness; flooding and rainstorm equally called for concerted efforts that must be geared

towards adequate city planning, policy formulation, enhanced public enlightenment programmes,

integration of environmental planning and education into curriculum of schools at all levels, capacity

building towards adaptation and mitigation of climate change.

At the same time, for quick response to disaster in Nigeria, government at all levels should ensure proper

and effective use of ecological fund; and encourage the integration of environmental disaster insurance to

take care of the fall out of flood menace.

Finally, national disaster and emergency policies should be strengthened to facilitate effective disaster

response. This approach will not only save lives and livelihoods, but it will equally reduce vulnerability to

disaster menace.

VII. CONCLUSION Environmental disasters, be it natural or man-made are threats to national development and growth.

Disasters have ravaged several towns and many farm settlements in Nigeria for decades. The situation has

resulted to loss of lives and properties worth trillion of Naira destroyed. In fact, to ameliorate this situation, call

for proactive measures from government and collective participation of all people in the community.

REFERENCES [1] World Bank (1993) Federal Republic of Nigeria Poverty Assessment Indicatora Lagos FOS/World Bank Resident Office [2] Freeman, P. K., Keen, M., & Mani, M. (2003). Being prepared: Natural disasters are becoming more frequent, more destructive, and

deadlier, and poor countries are being hit the hardest. Finance and Development, 40(3), 42-45

[3] Jakobsen, K. (2012). In the eye of the storm: The welfare impacts of a hurricane. World Development, 40, 2578-2589 [4] Annan, Kofi, A. An Increasing Vulnerability to Natural Disasters. International HeraldTribune September 10th, 1999

www.un.org/News/ossg/sg/stories/annan_press.htm

[5] Sumner A. (2010) Global Poverty and the New Bottom Billion: What if Three-Quarters of the World Poor Lives in Middle-Income Countries? IDS. Brighton

[6] World Bank 1990 World Bank Development Report 1990; Poverty, Washington. The World Bank

[7] Eurostat (2012) Population and Social Conditions. European Commission, Statistics in Focus No.9/2012. Brussels [8] Christopherson, R. W. (1997) Goesystems: An Introduction to Physical Geography. London: Prentice – Hall. (Third Edition). pp.

423

[9] Oyegbile, O. (2008). „Battling a Global Threat‟ in Tell Magazine. Lagos: Tell Communications Limited, Ikeja. (August, 11); pp, 20 – 25

[10] Ndace, B.J. (2008), From Vulture Concept‟ to Eagle Concept The Market, .3, (4)

[11] UNISDR (2013). “Using science for disaster risk reduction”. Report of the UNISDR Scientific and Technical Advisory Group-2013; UNIDR, Geneva

[12] EM-DAT: The OFDA/CRED International Disaster Database. www.cred.be/emdat -Université Catholique de Louvain - Brussels -

Belgium- [13] Intergovernmental Panel on Climate Change. Climate Change 2001: Impacts, Adaptation and Vulnerability. Edited by James

McCarthy, Osvaldo Caniziani, Neil Leary, DaviDokken and Kasey White. Insurance and Other Financial Services. Chapter 8 pages

451-486 [14] UNEP(2002) Assessing Human Vulnerability due to Environmental Change:Concepts, Issues Methods and Case Studies,Nairobi

2000, Global Environmental Outlook 3,

[15] Gommes, R. and Petrassi, F.(1996), Rainfall Variability and Drought in Sub-Saharan Africa Since 1960, in FAO Agrometeorology

Series Working Paper, No 9, FAO, Rome

[16] Wright, T. (2011). Waterlogged: Pakistani Children push a motorbike through flooded streets after rain in Lahorerin”. The Wall

Street Journal. London [17] Wahab, B (2013) Disaster risk management in Nigerian human settlements. InWahab,B etal ed Disaster risk management in

Nigerian rural and urban settlements, NITP/TOPREC

[18] Odjugo, P.A(2009) Quantifying the cost of climate change impact in Nigeria: Emphasis on wind and rainstorms Journal of Human Ecology 28(2): 93-101

[19] Abubakar1, I.U and Yamusa M.A.(2013) Recurrence of drought in Nigeria: Causes, Effects and Mitigation International Journal of

Agriculture and Food Science Technology. Volume 4, Number 3 (2013), pp. 169-180